•Bankruptcy Information Center
•What is Bankruptcy?
•Is Bankruptcy right for me?

•How to declare Bankruptcy?
•What happens to my assets?
•Bankruptcy and credit rating


•Bankruptcy News

Media Room:
•Press releases
•Media Coverage

•About BankruptcyHelp
•Contact us
•Debt Glossary
•Insolvency jobs

  > Top 250 hot topics on bankruptcyhelp.org.uk forum
Top 250 Hot topics from the Bankruptcy Forum - BankruptcyHelp.org.uk
Active Topics on Bankruptcy Forum - BankruptcyHelp.org.uk
Someone doing credit check using my address (by: Niobe) 6 8481
Not sure? (by: Niobe) 1 3873
I thought it was all over, but . . . (by: Niobe) 4 3713
Setting cash aside for bankruptcy process (by: Lisa Thomas) 5 2852
I was made bankrupt in 1991 and discharged in 1994 (by: Lisa Thomas) 3 3126
When a house is part of the asset for a debt, is it possible to sell before a forced sale ? (by: Lisa Thomas) 3 2799
I received lots of help on this site and have a friend who could use some advice (by: Lisa Thomas) 3 2571
I want to know more about bankruptcy. I just need a clean slate (by: Lisa Thomas) 3 2780
6 years nearly over (by: Niobe) 6 3308
Reposession after BR (by: Lisa Thomas) 5 2676
My husband had a debt for fraudulent misrepresentation (by: Lisa Thomas) 3 2570
Tax refund after discharge (by: Lisa Thomas) 3 2411
Would we be entitled to this refund ? (by: Lisa Thomas) 3 2590
Nearly Free (by: Lisa Thomas) 3 1958
What happens in bankruptcy to the extra income if I start working ? (by: Lisa Thomas) 3 2200
We declared bankruptcy November 2010. When will it drop off our credit reports ? (by: Lisa Thomas) 12 2403
Does discharge happen automatically after 12 months with no IPO ? (by: Lisa Thomas) 7 2631
Too many cases of bankruptcy to issue written confirmation of decision ? (by: Lisa Thomas) 5 2222
Left with house and debts I dont know what to do about tax bill. Grateful for any advice. (by: Niobe) 5 1808
Bankruptcy & car help (by: Niobe) 4 1597
My partner is a bankrupt. What happens to my half of property value if we are forced to vacate it ? (by: Lisa Thomas) 10 1784
Thinking of moving to Indonesia (by: Lisa Thomas) 3 1382
Callcare Test (by: Niobe) 3 1477
Can anything be done to remove me from the liability of a BTL mortgage ? (by: Lisa Thomas) 13 1761
After years of dreaming of being debt free I would go bankrupt but for beneficial interest (by: Niobe) 4 1563
Hi, Im looking for a bit more help please. (by: Niobe) 10 1822
Help needed. Made bankrupt 2013. (by: Lisa Thomas) 3 1653
Today received a letter threatening to publish my bankruptcy unless I pay them some money. (by: Niobe) 9 6254
Lisa Thomas (by: Niobe) 1 1211
If i have to declare myself bankrupt but cant afford the fees what do I do ? (by: Lisa Thomas) 4 2139
Hello, my husband and I have been in a DMP. It has been suggested that he goes bankrupt. (by: Lisa Thomas) 6 1447
I have 8 months left of my IPO. (by: Viki.W) 3 1836
Hi, I was declared bankrupt last October and have been told to leave my rented property (by: Viki.W) 6 1964
My new partner is going BR after her house was Repod (by: Viki.W) 10 6592
I live in rented accommodation. Will bankruptcy affect this ? (by: pcoventry2) 4 6023
Can you explain what this means ? (by: Niobe) 9 2260
Would it be possible to go bankrupt and still remain in the Philippines ? (by: Viki.W) 3 1490
Making An Offer To Trustee For Bankrupts Equity (by: Viki.W) 3 1295
How quickly are credit files updated once an amendment has been made ? (by: Niobe) 2 1328
Bankruptcy changes from April 2016 (by: pcoventry2) 9 6855
Hello I am new to this forum, I have a few questions (by: Viki.W) 5 5493
I was declared bankrupt over 6 years ago due to the property crash (by: Viki.W) 3 1367
HelloI owe the banks and Im on job seekers allowance. (by: Viki.W) 3 1410
When and how can I remove defaulted amounts from my credit file ? (by: Viki.W) 13 2668
What is classed as acceptable expenditure ? Does it include counselling and child care ? I (by: Niobe) 4 1390
I have a joint mortgage with my partner will we be forced to sell our home ? (by: Viki.W) 3 1284
If my house is revalued into positive equity does the OR have a time scale to repossess it ? (by: Viki.W) 3 1324
Is it allowed for IP to serve me with bankruptcy papers via email ? (by: Viki.W) 3 1186
If I declare bankruptcy will future wages go to creditors ? (by: Viki.W) 3 1383
How can I correct defaults ? (by: Niobe) 13 1784
Can household be blacklisted by stranger ? (by: Viki.W) 3 1202
Hi there, what percentage of surplus income is the OR likely to take ? (by: Viki.W) 3 1422
I can not afford to pay for bankruptcy what do I do ? (by: Niobe) 3 1270
Bankruptcy expired, not on the insolvency register but defaults showing on credit file (by: Niobe) 3 1170
Im unsure if bankruptcy is the right decision for me (by: Viki.W) 3 1238
Questions about clearing a charging order. A car loan was secured against my house (by: Viki.W) 5 1254
Money I was left in a will is being claimed by the OR. So many conflicting views on this. (by: Viki.W) 3 1257
I have become the registered keeper for the car owned by my father. (by: Viki.W) 3 1375
Will this car be outside the bankruptcy exempt ? (by: Viki.W) 3 1381
Happy New Year (by: Niobe) 3 4637
For Viki (by: Niobe) 4 1361
I have just received an attachment of earnings order. What do you suggest ? (by: Viki.W) 3 1427
Viki is now an Approved Intermediary (by: Viki.W) 4 1933
Im going through bankruptcy at the moment (by: Viki.W) 3 1705
Can a creditor have a claim on my assets after bankruptcy discharge in 1999 ? (by: Viki.W) 3 1611
I have today received a B10 Notice. Is there anything I can do to prevent losing my house ? (by: Viki.W) 6 1859
I forgot about a bankruptcy order against me. (by: Niobe) 11 1680
Hi, I am looking for some help. (by: Niobe) 12 1779
Declared bankruptcy May, 2004. Discharged Oct 2004. Do I have to pay PPI to court ? (by: Niobe) 4 1435
I work for a health care provider, will they be made aware of my bankruptcy ? (by: Niobe) 2 1379
I have a problem I cant resolve without some help (by: Niobe) 4 1285
Im not able to pay my upcoming tax. What are my options ? (by: Viki.W) 8 1648
Hi how can I as a third party purchase an asset of a bankrupt ? (by: Viki.W) 3 1228
BR advice needed (by: Viki.W) 10 1483
Would bankruptcy clear my tax bill? (by: Niobe) 7 1818
Hi, My sons business is failing and a supplier is likely to make him bankrupt. (by: Niobe) 3 1163
Hi, I will soon be at that point where my bankruptcy will be removed from credit report (by: Niobe) 7 1663
Will PPI claim reopen bankruptcy discharged in 2010 ? (by: Viki.W) 6 1370
credit report (by: Niobe) 5 1593
I want to make an offer to buy out my bankrupt husbands equity share in our home (by: Niobe) 3 1386
Will I be able to keep childrens maintenance costs ? (by: Viki.W) 3 1552
Hi, I am very close to petitioning for bankruptcy but could do with some advice (by: Niobe) 9 2094
Can I file for bankruptcy ? (by: Viki.W) 4 1542
Accounts still open (by: Niobe) 7 1397
I have been currently unemployed and with no fixed address. (by: Viki.W) 3 4818
Nothing was settled about house in boyfriend boyfriends divorce. Ex wife considering bankruptcy. (by: Viki.W) 7 1471
Very stressed after divorce and not seeing my child. Starving because Ive no money. (by: Niobe) 3 1303
All of my pension is being taken retrospectively. Is there any chance of fighting this ? (by: Viki.W) 2 1360
Why was I discriminated against ? (by: Niobe) 3 1480
I am considering bankruptcy (can no longer afford payments to IVA) (by: Viki.W) 2 1278
Are we able to clear our bankruptcy ( 6 years ago) from our credit file straight away ? (by: Niobe) 2 1365
My wife was forced into bankruptcy in 2009 (by: Niobe) 4 1258
I still have a year left to pay IPA. (by: Viki.W) 10 1589
Worried that creditors will add a note of correction when I ask them to change default date. (by: Niobe) 2 4684
3 years on after discharge (by: Niobe) 5 1565
notice of intention to stay enforcement (by: Susiet) 3 1397
Hi, not sure if bankruptcy would work for me ? (by: Niobe) 3 1267
Can hardly believe it has been over 6 years since I first found this site. (by: scatcat) 9 1352
Can someone whose house has been repossessed be made bankrupt in their absence ? (by: Marie.t) 6 1207
My aunty left me a legacy two mouths before I was discharged and it has been taken. (by: Viki.W) 3 1236
Worrying letter received about who provided deposit for my bankruptcy 6 years ago (by: Viki.W) 7 1400
Ive been made insolvent, my bank is closing my account. What can I do now ? (by: Niobe) 5 4875
Hi, I am new to this forum, Am I right about prohibition on suing a bankrupt ? (by: Viki.W) 3 4663
Can my mother, who is in a nursing home with Altziemers, declare herself bankrupt ? (by: Blackie) 4 1390
We have 2 disabled children. Would we lose our house if we declare bankruptcy ? (by: Viki.W) 3 1406
We have just been issued with a bankruptcy order. My husband works in Europe. (by: Viki.W) 3 1261
I am in the process of applying for bankruptcy (by: Viki.W) 3 1321
BR seems the only option (by: Viki.W) 3 1197
I am going bankrupt as a sole trader. Can I give a person the maintenance contracts ? (by: Niobe) 3 1188
Please help, I cant afford a solicitor to remove bankruptcy notices and restrictions from title. (by: Niobe) 2 1306
HMRC query (by: Viki.W) 3 1188
Hi do you have to use a solicitor when transferring property back to myself ? (by: Viki.W) 3 1174
Credit file after discharge (by: Niobe) 3 1200
My Bankruptcy 3 year period ends this December, wil I get my land registry back ? (by: Niobe) 8 1383
Is there anyway I can get help with going bankrupt ? (by: Niobe) 3 1356
I will be going bankrupt every year until my lease ends if this is correct ! Any help appreciated. (by: Viki.W) 2 1353
CCJs and council tax? (by: Niobe) 33 4044
Discharged from bankruptcy 2013. It transpires that a second loan is still on the house (by: Viki.W) 3 1380
Can I tell insolvency that I want to hand over my house ? (by: pcoventry2) 4 4886
I have a property abroad that I cannot sell. (by: Viki.W) 3 1351
I am British. I am thinking of UK Bankruptcy for UK debt. Last 2 years working in Ireland. (by: Blackie) 3 1329
How far will the official look back at bank statements ? (by: Blackie) 3 1538
It seems very scary to go bankrupt and we have no real idea of how it will affect us. (by: Viki.W) 3 1355
I am declaring bankruptcy. Will payments to parents for board be allowed as expenditure ? (by: Blackie) 4 1545
I am currently thinking of Bankruptcy. (by: Niobe) 9 1697
6 years on (by: Viki.W) 3 1484
DRO Levels to increase (by: Blackie) 4 1429
Are congestion charge fines covered under bankruptcy ? (by: Niobe) 19 2422
bankruptcy after seperation (by: Viki.W) 8 1296
How long does it take to annul bankruptcy through the court ? Do I need a solicitor ? (by: Viki.W) 5 1401
Is there any way I can avoid bankruptcy ? (by: Niobe) 8 1398
Merry Christmas and Happy New Year (by: Viki.W) 2 4676
I am being made bankrupt for council tax. Can I ask for a charge on my property instead ? (by: Viki.W) 2 1238
My husband went bankrupt in march 2012. Can they force the sale of our house ? (by: Viki.W) 2 1362
After the court hearing, how long do I have before my house is repossessed ? (by: Niobe) 12 1531
I was made bankrupt 121212 , can I sell my share of my portfolio to my son ? (by: Viki.W) 2 1150
Will any holds made on my Land registry regarding my property bee moved after 3 years ? (by: Viki.W) 2 1183
How long do I have to wait before I can sell my property without paying off creditors ? (by: Viki.W) 3 1159
I thought bankruptcy lasted 3 years and not a lifetime. (by: Viki.W) 3 1304
I am going insolvent. We have a joint loan. Can the house my wife owns be repossessed ? (by: Viki.W) 3 1153
I donthe think I can get the funds to go bankrupt. what can I do ? (by: Niobe) 5 1322
Could bankruptcy be a better option ? (by: Viki.W) 3 1308
2 years after going bankrupt (by: pcoventry2) 4 4906
Wondering how much time I have to find a property to rent after repossession hearing ? (by: Niobe) 5 1233
I need to get advice on buying the trustees interest in my home (by: Viki.W) 2 1248
hi all . I am close to bankruptcy and I have a couple of questions. (by: james1102) 5 1436
Will I have to declare my mobile phone contract to the OF ? (by: Viki.W) 4 1346
debt not included in bankruptcy. (by: Viki.W) 14 1639
hi all myself and my wife are thinking of going bankrupt fairly soon. (by: Viki.W) 3 1378
Car (by: Viki.W) 2 1317
I am about to go bankrupt. Why is solicitor wanting legal aid to put a charge on house ? (by: Viki.W) 4 1543
personal pension (by: Niobe) 19 2212
Will my partner be affected if I go bankrupt? (by: Viki.W) 5 1464
Can you have a joint bankruptcy with your wife ? (by: pcoventry2) 6 4817
BR or CCJ on credit file? (by: pcoventry2) 20 6683
Just done a Experian Check. (by: pcoventry2) 10 4977
Mine field correcting credit file (by: pcoventry2) 35 7009
Credit card (by: pcoventry2) 38 9963
Hi all, its a long time since I have been on here (by: pcoventry2) 11 4908
Should I get a market property valuation or a forced sale valuation (by: Niobe) 7 1465
My house had been for sale for a year. I havent heard from a trustee. What happens now ? (by: pcoventry2) 4 4764
My wife does not wish to show OR personal details as we are not getting on too well. (by: Viki.W) 7 1503
Hello, I now live in Dubai. Am I able to declare bankruptcy ? (by: debtinfo) 4 1348
Will I be allowed to keep co op cash minder account in bankruptcy ? (by: Skippy) 8 1416
Director? (by: Niobe) 12 1466
I am looking to get help with my debts and wonder if bankruptcy is an option ? (by: pcoventry2) 6 4899
Made bankrupt May 2010, early release September 2010. Am I clear of all bankruptcy restrictions ? (by: Niobe) 3 1233
Ppi (by: debtinfo) 5 1302
I have a lot of pay day loans and recently lost my job and still living at my parents (by: Viki.W) 3 1337
my ex going bankrupt (by: dawnlougib) 40 3200
We dont have the initial fee to pay for bankruptcy. (by: Niobe) 10 1727
I have no way of finding the fees to go bankrupt (by: pcoventry2) 3 4622
Will the OR consider my repayment for loans from family favouritism to creditors ? (by: Viki.W) 2 1241
Would computers essential to my work be taken from me ? (by: Viki.W) 3 1289
Would we lose our car ? (by: Viki.W) 3 1323
All help appreciated to sort out what I am up against claim for share of interest (by: Blackie) 3 1627
Now being hounded by a creditor after discharge from bankruptcy (by: pcoventry2) 5 5180
Hi, I was made bankrupt in May2012. What is involved in the lead up to discharge ? (by: pcoventry2) 123 18099
Had 8 years of constant struggle I really need some help. Im scared and feel worthless (by: Niobe) 15 1658
Can I claim PPI on a card post bankruptcy ? (by: Niobe) 3 4732
Paying well in excess the amount I was made bankrupt for ? (by: debtinfo) 3 1293
Hello,I am considering bankruptcy due to debts from a previous business (by: Viki.W) 3 1258
After discharge from bankruptcy we are splitting up. Would we be liable for any shortfall ? (by: Niobe) 4 1267
I have been to court and am now bankrupt, (by: Skippy) 19 3391
How does the OR value property ? (by: Viki.W) 2 1259
What would qualify you to become bankrupt ? (by: Blackie) 4 1713
Can I declare bankruptcy while employed ? (by: Blackie) 3 1775
I was discharged 2010. What do I do about a creditor who contacted me ? (by: Viki.W) 5 1357
Sorting out your Credit files after the 6 years! (by: Niobe) 7 1549
How much will I need to pay to declare myself bankrupt ? (by: debtinfo) 10 1476
Well this is unbelievable but true! (by: Niobe) 15 2028
Hi I dont know if I should go down the bankruptcy route (by: Niobe) 16 1579
A word of Warning to all! (by: pcoventry2) 6 5113
DRO criteria (by: Andy Davie) 4 1401
Since discharge in 1997 trustees have been drawing down my pension. (by: Niobe) 2 1282
A bit of an odd one Any Ideas??? (by: Niobe) 24 4102
Mortgage after Bankruptcy (by: Niobe) 2 1212
I declared bankruptcy in 2008. Just had a letter from company who bought a debt . (by: onthewagon) 4 1386
Should I cut my losses and apply for bankruptcy in the UK ? (by: Viki.W) 3 1213
We were declared bankrupt in 1994. Can we receive money from endowment policy ? (by: Niobe) 8 1264
Advice please (by: Niobe) 2 1220
If I declare bankruptcy will I be able to have a bank account ? (by: Niobe) 14 1835
Dont know what to do or who to turn to for help closing business due to poor health (by: Blackie) 4 1153
After the 6 Year point (by: Niobe) 25 2732
guarantor (by: Viki.W) 3 1207
Can bankruptcy erase a debt to former wife ? (by: Viki.W) 3 1277
How long on my credit file ? (by: Viki.W) 3 1182
if you own your house out right (by: Niobe) 3 1192
Hi am currently in Thailand and wish to declare Bankruptcy. (by: Viki.W) 4 1277
Can you apply for bankruptcy once a creditor has applied for court proceedings ? (by: Niobe) 6 1450
Can I declare myself bankrupt if I work but my ear (by: Viki.W) 3 1299
Just say Hi ! :) (by: Niobe) 8 1385
What happens to buy to let properties in negative equity in bankruptcy ? (by: Viki.W) 2 1332
Do I need to declare all of my debt? Can I still have a mobile phone contract ? (by: Viki.W) 4 1337
What is the cost of declaring bankruptcy, i am claiming benefits (by: Blackie) 6 1785
What is the cost of declaring bankruptcy, i am cla (by: Viki.W) 4 1332
I and my ex partner owe about £4500 pounds to a power company. (by: Viki.W) 3 1204
Am I able to take out a pay day loan ....I have no money whatsoever to live on (by: Niobe) 3 1261
Bankruptcy and Addresses (by: pcoventry2) 5 4690
How is my house affected by bankruptcy? (by: Niobe) 3 1268
The past 15 years I have been struggling with crippling debt (by: Niobe) 3 1233
Hi Viki, you have helped me with responses in the past for which I am very grateful (by: Will5430) 4 1217
Hello,I need some help, I am currently filing for bankruptcy (by: Viki.W) 2 1177
Can I be declared insolvent even if I can pay the money owed ? (by: Blackie) 4 1238
A client has buy to let debts and is thinking of going bankrupt. (by: Blackie) 5 1173
I was made bankrupt in march 08. Will my only delinquent account disappear in June ? (by: Viki.W) 3 1289
I am a single mum and currently pregnant. (by: Viki.W) 5 1238
Hi,My husband and I are filing for Bankruptcy (by: Niobe) 5 1221
defaults still showing after discharge (by: Viki.W) 3 1110
Should I contact OR and inform him of payment demand post bankruptcy ? (by: Viki.W) 3 1233
If I cant have a bank account, how will clients pay me as they are not happy to pay individuals ? (by: Niobe) 5 1363
End of IPA (by: Niobe) 4 2138
Do the same criteria for individual bankruptcy apply for an insolvent estate ? (by: Niobe) 2 1124
As self employed I would need a bank account to receive payments from clients. (by: Niobe) 2 1197
I want to help my mum. She is disabled, up to her eyes in debt, crying everyday all day. (by: Niobe) 7 1250
Student Bankrupcy (by: Viki.W) 4 1205
I have been served a petition for sequestration by a Scottish Court which I dispute. (by: Niobe) 2 1223
I was declared bankrupt in March 2008. Will it fall off my credit history in March 2014 ? (by: Niobe) 11 1328
Update # 3 (by: Tifosi1) 4 1243
If I declare bankruptcy will my house be taken off me ? (by: Niobe) 7 1381
Will it be best to go bankrupt ? (by: Niobe) 5 1832
Howdo the bailiffs know what stuff belongs to who? (by: Niobe) 4 2322
Update :) (by: Viki.W) 3 1143
Credit Rating (by: Niobe) 2 1176
Moving On (by: Niobe) 2 2089
Need advice re: mortgage after bankruptcy. (by: Tifosi1) 3 1102
Mortgage after BR (by: Niobe) 3 1158
Mortgage after BR (by: Niobe) 4 1195
Important update (by: Blackie) 4 1262
Hallo ? (by: Blackie) 3 1221

Avoiding ID Theft

How to avoid ID theft


Parking Fines Guide

How to get parking fines refunded!

> Bank Charges Guide
How to get all bank charges from the last 6 years refunded!

> Credit Repair Guide
Find out how your credit file works and find out some ideas for how you can improve it.

Media Coverage

No Coverage